What is Retirement Planning?

  • Planning to provide an income in retirement to replace the earnings made while you are either employed or self-employed.
  • We specialise in setting up pensions on both an individual and corporate basis.
  • In addition, we offer a comprehensive review service which looks at whether your existing pension is performing as well as you would expect.
  • This can take a number of forms such as a pension, alternative forms of saving for retirement, purchase of several properties etc.

Is a pension worth having?

  • A substantial number of UK adults have no pension, other than their state pension.
  • This means that private pension provision is often needed to boost income in retirement.
  • The bonus is that pensions are a tax free way to put savings aside.
  • Pension planning can be a complicated business and specialist advice is often needed. This is where we can be of help.

As IFA’s we can advise on all aspects of pension planning including personal pensions, company pensions and SIPP’s as well as alternative forms of retirement planning. Please contact us today for a free, no obligation, initial meeting.

How much does it cost?

There are many different types of pension available from low cost stakeholder plans to those which have both set up fees and annual admin fees associated with them. We will guide you through all these costs.


We offer a range of services to help you meet your investment and/or retirement objectives. We provide independent investment advice which we will discuss with you as described in our Important Information about our Services Document.

Contact us today for a free, no obligation, initial meeting.

Click here if you have a financial services question on your mind and we will try to provide an answer as soon as we can.

A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend on the size of the fund at retirement, future interest rates and tax legislation.

Malcolm Barclay

For more information on retirement contact Malcolm Barclay on:

Tel: 01206 871120
Email: malcolm.ifa@bgafs.co.uk

We will use your name, email address and contact number ('personal information') to contact you about the services you have requested or respond to an enquiry you have submitted, which will require us to share your personal information with our advisers. For further information on how your information is used, including disclosure to third parties, how we maintain security of your information and your rights in relation to the information we hold about you, please see our Privacy Policy or contact info@bgafs.co.uk or 01206 871120 to obtain a copy.

Email communications are not secure and for this reason B G A Financial Services Ltd cannot guarantee the security of the email, its contents or that it remains virus free once sent.

Our Current Campaign

Are you paying too much for protection?

Submit your details today for a FREE, no obligation, life cover check.

We will tell you whether you can save money.

Click here >